policies provide financial support in the event the policyholder is unable
to work because of disabling illness or
injury. It provides monthly support to help pay such
obligations as mortgages and credit cards.
Total permanent disability insurance insurance provides benefits when a
person is permanently disabled and can no longer work in their profession,
often taken as an adjunct to life insurance.
Errors and omissions insurance: See "Professional
liability insurance" under "Liability insurance".
Expatriate insurance provides individuals and organizations
operating outside of their home country with protection for automobiles,
property, health, liability and business pursuits.
Financial loss insurance protects individuals and companies
against various financial risks. For example, a business might purchase
cover to protect it from loss of sales if a fire in a factory prevented it
from carrying out its business for a time. Insurance might also cover the
failure of a creditor to pay money it owes to the insured. This type of
insurance is frequently referred to as "business interruption insurance."
Fidelity bonds and surety bonds are included in this category, although
these products provide a benefit to a third party (the "obligee") in the
event the insured party (usually referred to as the "obligor") fails to
perform its obligations under a contract with the obligee.
Fire insurance: See "Property insurance".
Hazard insurance: See "Property insurance".
Health insurance policies will often cover the cost of private medical
treatments if the National Health Service in the UK (NHS) or other
publicly-funded health programs do not pay for them. It will often result
in quicker health care where better facilities are available.
Home insurance or homeowners insurance: See "Property
Liability insurance is a very broad superset that covers
legal claims against the insured. Many types of insurance include an
aspect of liability coverage. For example, a homeowner's insurance policy
will normally include liability coverage which protects the insured in the
event of a claim brought by someone who slips and falls on the property;
automobile insurance also includes an aspect of liability insurance that
indemnifies against the harm that a crashing car can cause to others'
lives, health, or property. The protection offered by a liability
insurance policy is twofold: a legal defense in the event of a lawsuit
commenced against the policyholder and indemnification (payment on behalf
of the insured) with respect to a settlement or court verdict. Liability
policies typically cover only the negligence of the insured, and will not
apply to results of willful or intentional acts by the insured.
Environmental liability insurance protects the insured from
bodily injury, property damage and cleanup costs as a result of the
dispersal, release or escape of pollutants.
Professional liability insurance, also called professional indemnity
insurance, protects professional practitioners such as architects,
lawyers, doctors, and accountants against potential negligence claims made
by their patients/clients. Professional liability insurance may take on
different names depending on the profession. For example, professional
liability insurance in reference to the medical profession may be called
malpractice insurance. Notaries public may take out
errors and omissions insurance (E&O).
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|A & B Insurance
4340 Redwood Hwy # D319, San Rafael, CA 415 491-7880
Affordable Health-Dental Ins
2 Beach Dr, San Rafael, CA 415 258-0390
Allstate Insurance Co
1000 4th St # 690, San Rafael, CA 415 721-7024
Amwins Insurance Brokerage -California
899 Northgate Dr, San Rafael, CA 415 446-4300
Asset Preservation Planning
10 Laurelwood Ct, San Rafael, CA 415 458-8737
Bolds Insurance Brokerage
1447 4th St, San Rafael, CA 415 485-1700
California State Automobile
99 Smith Ranch Rd, San Rafael, CA 415 472-6700
Connor-Coughlin Insurance Svc
San Rafael, CA 415 457-4059
Costello & Sons Insurance Inc
1752 Lincoln Ave, San Rafael, CA 415 455-1515
Craig Thompson Health Ins
355 Mount Shasta Dr, San Rafael, CA 415 472-6555
D I & Ltc Insurance Svc
4302 Redwood Hwy # 400, San Rafael, CA 415 472-4800
Diane Sickmen Insurance
532 4th St, San Rafael, CA 415 453-4300
Ethelynne Bates Insurance
4340 Redwood Hwy # 144F, San Rafael, CA 415 492-0598
Gary Hylbak Insurance
818 5th Ave, San Rafael, CA 415 456-5700
Grokerage General Agency
4302 Redwood Hwy # 400, San Rafael, CA 415 472-4800
35 Mitchell Blvd # 6, San Rafael, CA 415 472-8622
James H Ayres
610 3rd St, San Rafael, CA 415 456-7200
John Stave Insurance
4460 Redwood Hwy, San Rafael, CA 415 472-7800
1508 Lincoln Ave, San Rafael, CA 415 453-6329
Kraft Insurance Brokerage
4340 Redwood Hwy # F142, San Rafael, CA 415 507-9074
San Rafael, CA 415 454-3096
Mc Namara Insurance Svc Inc
Michael Mc Namara
1010 B St, San Rafael, CA 415 457-7856
Michael Saleh Insurance
70 Mitchell Blvd # 104, San Rafael, CA 415 479-4949
Minto & Wilkie Health Ins Dept
1010 B St, San Rafael, CA 415 457-0610
York Life - Karen van Kayne Insurance
Life Insurance, annuities, long term care and other insurance
products. I can help you identify your financial needs and determine
which insurance and financial products can best help you meet your
2235 Mercury Way Ste. 100 Santa Rosa 95407 707
Payne Whittington Insurance
7 Mount Lassen Dr, San Rafael, CA 415 499-8690
Quality Pacific Insurance
15 Mount Tenaya Dr, San Rafael, CA 415 492-1837
Robert C Placak & Assoc
899 Northgate Dr # 304, San Rafael, CA 415 507-1440
Ross Financial Planning
4306 Redwood Hwy, San Rafael, CA 415 897-1440
Scott Insurance Svc
1368 Lincoln Ave # 107, San Rafael, CA 415 457-8319
Sherman Linsin Assoc
185 N Redwood Dr # 250, San Rafael, CA 415 479-9988
State Farm Insurance
Rose G Kuntz
820 5th Ave # D, San Rafael, CA 415 459-0200
State Farm Insurance
2400 Las Gallinas Ave # 140, San Rafael, CA 415 479-5900
181 3rd St, San Rafael, CA 415 256-1750
Whitecap Insurance Svc
Robert F Smith
1623 5th Ave # A, San Rafael, CA 415 499-7722
3100 Kerner Blvd # H, San Rafael, CA 415 258-9912
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Other potential E&O policyholders include, for example, real estate
brokers, home inspectors, appraisers, and website developers.
Life insurance provides a monetary benefit to a decedent's
family or other designated beneficiary, and may specifically provide for
income to an insured person's family, burial, funeral and other final
expenses. Life insurance policies often allow the option of having the
proceeds paid to the beneficiary either in a lump sum cash payment or an
Annuities provide a stream of payments and are generally
classified as insurance because they are issued by insurance companies and
regulated as insurance and require the same kinds of actuarial and
investment management expertise that life insurance requires. Annuities
and pensions that pay a benefit for life are sometimes regarded as
insurance against the possibility that a retiree will outlive his or her
financial resources. In that sense, they are the complement of life
insurance and, from an underwriting perspective, are the mirror image of
Locked funds insurance is a little-known hybrid insurance
policy jointly issued by governments and banks. It is used to protect
public funds from tamper by unauthorised parties. In special cases, a
government may authorise its use in protecting semi-private funds which
are liable to tamper. The terms of this type of insurance are usually very
strict. Therefore it is used only in extreme cases where maximum security
of funds is required.
Marine insurance and marine cargo insurance
cover the loss or damage of ships at sea or on inland waterways, and of
the cargo that may be on them. When the owner of the cargo and the carrier
are separate corporations, marine cargo insurance typically compensates
the owner of cargo for losses sustained from fire, shipwreck, etc., but
excludes losses that can be recovered from the carrier or the carrier's
insurance. Many marine insurance underwriters will include "time element"
coverage in such policies, which extends the indemnity to cover loss of
profit and other business expenses attributable to the delay caused by a
Mortgage insurance insures the lender against default by the
No-fault insurance is a type of insurance policy (typically
automobile insurance) where insured's are indemnified by their own insurer
regardless of fault in the incident.
Nuclear incident insurance covers damages resulting from an
incident involving radioactive materials and is generally arranged at the
national level. (For the United States, see the Price-Anderson Nuclear
Industries Indemnity Act.)
Pet insurance insures pets against accidents and illnesses -
some companies cover routine/wellness care and burial, as well.
Political risk insurance can be taken out by businesses with
operations in countries in which there is a risk that revolution or other
political conditions will result in a loss.
Pollution Insurance. A first-party coverage for
contamination of insured property either by external or on-site sources.
Coverage for liability to third parties arising from contamination of air,
water, or land due to the sudden and accidental release of hazardous
materials from the insured site. The policy usually covers the costs of
cleanup and may include coverage for releases from underground storage
tanks. Intentional acts are specifically excluded
Property insurance provides protection against risks to
property, such as fire, theft or weather damage. This includes specialized
forms of insurance such as fire insurance, flood insurance, earthquake
insurance, home insurance, inland marine insurance or boiler insurance.
Purchase insurance is aimed at providing protection on the products people
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City of San Rafael